The cheapest car insurance company for you will depend on your driver profile and background. For full coverage and minimum coverage, Country Financial is the lowest. It's also the best option after a driving offense and for military drivers, with affordable rates and good service quality. Nationwide is the most suitable option for teens on a parent's policy.
Cheapest and Best Car Insurance in Hillsboro
Cheapest Minimum Liability Car Insurance in Hillsboro
On average, the cheapest minimum coverage car insurance in Hillsboro is with the following:
- Country Financial: $492 per year
- State Farm: $538 per year
Dairyland is the most expensive for minimum coverage, charging around $1,846 per year.
MoneyGeek found that State Farm offers the cheapest minimum coverage car insurance in Oregon, charging roughly $380 per year as of October 2022. Your location plays a vital role in determining how much you pay.
A minimum coverage policy in Oregon only includes bodily injury liability coverage, property damage liability coverage, uninsured motorist coverage and personal injury protection. Such a policy has the following limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
- $15,000 personal injury protection
Your liability coverage amount is the maximum expense your insurance company will cover in an at-fault accident. For example, a minimum coverage policy in Oregon includes $25,000 per person in bodily injury coverage, with a max per accident of $50,000. If the other vehicle’s passengers require medical attention exceeding this amount, you must pay it.
Cheapest Full Coverage Car Insurance in Hillsboro
The following companies offer, on average, the cheapest full coverage auto insurance in Hillsboro:
- Country Financial: $829 per year
- State Farm: $878 per year
Dairyland has the most expensive full coverage insurance policy, costing around $2,929 annually.
As of October 2022, the cheapest full coverage car insurance in Oregon is with State Farm. The company’s state average cost is $706 a year — which is more affordable than the cost in Hillsboro.
You get comprehensive and collision insurance with a full coverage policy.
- Comprehensive Insurance: It will pay for vehicle repair or replacement in case of theft, animal damage, vandalism or other incidents.
- Collision Insurance: It covers the cost of vehicle repair or replacement if you damage it due to an at-fault accident.
Full coverage might not suit older vehicles, as its costs can be high, and with a low-value car, it may not be worth paying more each year for it.
Cheapest Car Insurance in Hillsboro After a Driving Offense
MoneyGeek found that Hillsboro drivers with various violations will get the cheapest rates, on average, from the following companies:
- Speeding ticket: State Farm ($992 per year)
- At-fault accident: Nationwide ($1,151 per year)
- DUI: State Farm ($992 per year)
Dairyland is the most expensive insurance company for drivers with a speeding ticket ($3,624 per year), at-fault accident ($3,954 per year) or DUI ($3,247 per year), on average.
An unfavorable driving record can immensely impact your premium, so the cheapest company rates for drivers with a bad history will be more than what safe drivers pay.
Your insurance cost could go up with a violation, and its severity may impact what you pay. In Hillsboro, MoneyGeek’s data shows that the average premium of a driver with a speeding ticket is $295 less than the average policy cost of a driver with a DUI on their record. We analyzed the companies offering the cheapest car insurance for poor driving records.
Cheapest Car Insurance in Hillsboro for Teens and Their Families
For a teen driver on a family policy, the following companies have the average cheapest auto insurance:
- Nationwide: $1,278 per year for female teens; $1,371 per year for male teens
- State Farm: $1,486 per year for female teens
- Allstate: $1,653 per year for male teens
Capital Insurance Group is the most expensive, charging an average of $3,079 per year for female teens and $2,937 per year for male teens.
Young men may pay slightly more for a policy because they are seen as riskier to insure, as is seen in the Nationwide rates in Hillsboro, where they pay around $93 more per year. However, this cost difference drops off in early adulthood.
Teen drivers pay a high premium if they buy an individual policy. MoneyGeek found that a 16-year-old driver in Hillsboro pays as much as $3,327 more on average for a personal policy compared to being on their parent’s policy. You can find the cheapest car insurance for teens. by shopping around.
Cheapest Car Insurance in Hillsboro for Military Drivers
The following companies offer, on average, the cheapest insurance policies in Hillsboro for active-duty military members and veterans:
- Country Financial: $829 per year
- USAA: $860 per year
Both companies also offer the most affordable auto insurance for military drivers in Hillsboro seeking minimum coverage.
The average cost of minimum coverage with Country Financial is $492 per year, while USAA charges an average of $511 per year.
How to Compare Cheap Hillsboro Car Insurance Quotes Online
You can get online car insurance quotes in Hillsboro, Oregon, but it can take 15 or more minutes per company, and you will enter a lot of personal information. If you want a ballpark estimate of your car insurance expense, consider using MoneyGeek’s car insurance calculator. It estimates your insurance cost based on your age, vehicle type, coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Hillsboro: Summary
The best car insurance provider for you will depend on how much you value affordability, service quality and other factors. The following are the best car insurance companies in Hillsboro:
- Best overall: Country Financial (MoneyGeek score of 81 out of 100)
- Best for service: Capital Insurance Group (MoneyGeek score of 68 out of 100)
- Best cheap: Country Financial (MoneyGeek score of 82 out of 100)
The overall MoneyGeek score can differ for each category because factors may be weighted differently.
Best Overall Car Insurance in Hillsboro
MoneyGeek’s analysis shows that the best car insurance companies in Hillsboro are:
- Country Financial: MoneyGeek score of 81 out of 100 ($829 per year)
- Capital Insurance Group: MoneyGeek score of 76 out of 100 ($1,247 per year)
Country Financial earned a perfect score for affordability and ranked the second-highest for customer satisfaction.
Drivers with military backgrounds may benefit the most from USAA car insurance, as it tailors its policies to military personnel. The company scored 84 out of 100 in MoneyGeek’s rating system.
Ranked the highest for affordability out of 12 insurance providers
Earned the second-highest score for customer satisfaction
Provides rare coverages, including portable electronics and media, new car replacement and glass deductible modification.
Relatively low score for available coverages
Although Country Financial offers various rare add-on coverages, it doesn’t have a lot of options. But the company does have inexpensive policies and scores very well for customer satisfaction.
The add-on portable electronics and media coverage from Country Financial offers protection against the loss or theft of your items (phone, laptop, etc.) from your car. New car replacement coverage is also available, which gets you a brand-new car of the same make and model if you total your vehicle in an accident. However, your car must be up to four model years old.
With glass deductible modification, you can avoid paying your comprehensive deductible in case of damage to your windshield, car windows or headlight covers.
Best Car Insurance in Hillsboro for Customer Service
When we do not consider cost in our analysis, the following companies are the best options for good customer service in Hillsboro:
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,247 per year)
- Country Financial: MoneyGeek score of 65 out of 100 ($829 per year)
Capital Insurance Group outranks the competition with the highest claims management and customer satisfaction scores. The insurer is one of the most expensive options for a policy in Hillsboro, which shows it charges more money to provide good service.
Ranked number 1 for claims management out of 12 insurance companies
Scored the highest for customer satisfaction
Provides roadside assistance, full glass and custom parts coverage
Doesn’t offer accident forgiveness and rental car and/or travel reimbursement coverage
Lowest score for available coverages
Capital Insurance Group’s available add-on coverages include a few rare coverages, but the company doesn’t provide many coverage options. It did receive a high score for claims management and customer satisfaction.
Emergency Roadside Protection with this company will cover you if your car breaks down on the road. It provides 24/7 emergency rescue service and helps with refueling, dead batteries and flat tires. The insurer also offers to tow your vehicle as far as 100 miles, with no additional charge, if you add this coverage to your policy.
You can also add rare coverages, like the full glass and custom parts coverage, to your policy with the Capital Insurance Group.
Its high claims management score shows that it will handle your claims fairly and resolve them promptly.
Best Cheap Car Insurance Companies in Hillsboro
MoneyGeek analyzed the affordability and service quality of a minimum coverage policy in Hillsboro that meets Oregon’s minimum car insurance requirements and found the following best options:
- Country Financial: MoneyGeek score of 82 out of 100 ($492 per year)
- Capital Insurance Group: MoneyGeek score of 78 out of 100 ($640 per year)
Although buying minimum coverage will lower your insurance costs, you will only get a low amount of liability coverage and won’t have protection if an at-fault accident damages your vehicle.
An affordable minimum coverage policy at roughly $492 per year
Offers bundling, safe driving and early signing discount
Ranked #1 for affordability out of 12 insurance providers
The second-highest customer satisfaction score among rated insurance companies
Below-average scores for claims management and available coverages
Country Financial’s minimum coverage policy costs the least among other insurance providers in Hillsboro, which is why it earned a perfect affordability score in MoneyGeek’s analysis. The company ranked high for customer satisfaction, showing that customers have few, if any, complaints regarding its service.
This insurance company offers various ways to save on their premium to policyholders. Some of its discounts include bundling, safe driving and early signing. The bundling discount helps you lower your premium by bundling various types of policies like auto and home insurance.
If you have been accident and claims-free with the company for three years, you may qualify for the safe driving discount. You may also get a discount if you get a quote from Country Financial before your current policy expires.
Average Cost of Car Insurance in Hillsboro
The average cost of car insurance in Hillsboro for full coverage is $1,146 per year. The city’s average price is $119 less than the national average and $4 less than Oregon’s average car insurance cost. The policyholder’s location significantly affects the cost.
The rates mentioned here are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 in property damage liability per accident.
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